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Practical Durban guide to car accident paperwork: police reports, insurer notice, RAF, finance settlement and how documents affect repair vs sell decisions in South Africa.
Get a police case number, insurer reference and clear photos immediately.
Keep ID, registration, service history and any finance statements ready.
Settlement with lenders, transfer and deregistration affect final outcome.
If you've been in a car accident in Durban, understanding the paperwork you must complete is essential for insurance claims, legal compliance and any decision to repair or sell the vehicle. This guide explains the typical documents, who to contact, and how those records affect insurance, finance and salvage outcomes in South Africa. Wherever possible, keep copies and clear photos of all paperwork and damage to streamline later steps.
Prioritise safety and, where required, call emergency services. For paperwork and reporting, typical immediate actions are:
Note: If the vehicle is not roadworthy after the crash, avoid moving it except where necessary for safety. Photographs and a police case number will support any future claim or sale.
In South Africa, you should inform insurers promptly and submit a notice of intention to claim with the Road Accident Fund (RAF) in applicable cases involving injury. Keep the RAF and insurer reference numbers together with the police case number. For guidance on the overall process and what we buy (damaged or non-running cars), see the About / How it works page.
Deciding whether to repair or sell depends on repair cost, the vehicle's pre-accident market value, outstanding finance and your personal needs (time, convenience, risk). Below is a practical comparison to help Durban owners weigh options.
| Scenario | Typical repair cost (est.) | Value retained after repair (est.) |
|---|---|---|
| Minor bumper/paint damage | R2,000 - R12,000 | 80%-95% of pre-accident value |
| Structural/frame damage | R20,000 - R80,000+ | 40%-70% of pre-accident value (varies) |
| Mechanical failure after impact | R10,000 - R60,000 | 50%-85% depending on repair quality |
Estimates above are illustrative and South Africa-specific; actual costs vary by vehicle make, model and extent of damage. If repair costs approach or exceed a large share of market value, many owners in Durban choose to sell their damaged vehicle instead of investing in repairs.
| Damage type | How it affects valuation |
|---|---|
| Cosmetic (panels, paint) | Lower impact if only superficial; better photos help. |
| Structural/frame | Significant reduction due to safety and repair complexity. |
| Flood/fire | Major impact; electrical and corrosion concerns reduce offers. |
| Non-running/mechanical | Offer depends on repairability and parts demand. |
If you are considering selling rather than repairing, reviewing your paperwork-service history, police and insurer correspondence-typically improves transparency and can support a more accurate valuation. For guidance on selling non-running cars, see the Sell Non-Running Car page.
Completing accident paperwork and, if you choose to sell, transferring ownership involves coordinated steps: police reporting, insurer notification, lender settlement (if applicable), and transfer documentation. Many Durban owners find it efficient to prepare a single folder with the police report, photos, ID, vehicle registration (RSA disc or documentation), proof of ownership and any finance statements.
Legally, reporting serious accidents to the police is required. For compensation related to injuries, the Road Accident Fund provides a statutory route and has its own notice and claim procedures. If a vehicle is written off or transferred, ownership must be updated correctly to avoid future liability. If a vehicle is still financed, the finance agreement usually requires the lender’s involvement before transfer or payout.
If you prefer a service to manage collection and paperwork, many vehicle buyers and specialists offer to handle deregistration and transfer administration on your behalf; see general process notes on the Sell Damaged Cars page.
After a vehicle is collected, the usual administrative steps include transfer of ownership, deregistration where required, settlement with finance houses (if applicable) and final payment processing. Keep records of the collection docket and the transfer-of-ownership documents. For a plain explanation of our buying workflow and how paperwork is handled, the homepage summarises the steps clearly on the Sell Your Damaged Car site.
Example: If the vehicle has outstanding finance, the buyer will typically request a settlement figure from the finance house. Settlement is arranged before final transfer; any balance due to the owner or shortfall is handled according to the finance agreement.
This information is intended as a practical, South Africa-specific overview for Durban vehicle owners. For complex legal or insurance questions, consult your insurer, the police or a legal advisor. Preparing accurate paperwork and key documents will reduce delays and help you make informed decisions about repair or sale.
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Get answers to common questions about Legal And Paperwork
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How long does it take to respond. I've been calling and no one respond
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Was handled professionally. Thank you
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Easy to sell and stress free from the paper work
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My name is Itumeleng Seloba and I just sold Toyota Etios to the company. The moment I expressed my intention to sell, my wife gave me the contact and ...
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Excellent service from Cleavan Schubart . Received my payment in full . Thank you.
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Verified customerCleavon Schubart is a great consultant patient and easy to work with.
Verified customerWas serviced as I expected and paid as promised
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They gave me an offer on my car in May this year, I finally got over the car and asked for another offer 5 months later, Johan contacted me and the sa...
It was surprisingly quick and easy, and I didn't have to battle with phone calls with poor reception. Everything was handled digitally with quick resp...
It was a quick, quality and very sincere as well as trustworthy experience
Verified customerMy experience was so quick and easy. Abdul was assisting me all the way. And within 2 days my car was sold, picked up by the towing serves and money i...
Professional service from Johan and team; prompt and unambiguous. Great collection team as well, lead by Richard. Recommended.
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They were very professional.
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Not bad
Verified customerEasy experience
Verified customer<div>In terms of service I will rate them 5 stars. But am not happy with the price offering I had. I just had to accept it because I needed cash badl...
Tshidi was very professional throughout the whole process, explained every step clearly. Car was collected on time as arranged and payment very prompt...
Quick and easy...
Verified customerJohan brouwer did a good service for me
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Clear communication and quick responses. Very friendly
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From the moment I started researching how to sell your damaged car, it seemed like it was going to be a stressful process… Turns out it’s just the opp...
I have received the best service ever From Tshidi Mashangoane . Everything happened as promised. Even the bank Notification
Verified customerJohan Bouwer assisted me with a seamless experience selling an old broken vehicle. I would highly reccomend getting in contact and asking for him if y...
Joshua was precise and helpful.
Verified customerThe process was quick and easy. I felt comfortable that I was dealing with an above board business. They tend to communicate almost exclusively with W...
The deal was streit forward. From tshidi mashangoane
Verified customerDealt with a lady by the name of Tshidi. She was great from the onset. Process was done via WhatsApp and her responses were always on time. I apprecia...
Aneese was amazing. He responds in no time and never keeps you waiting. He was willing to go the extra mile for us. I’d recommend Sell Your Damaged Ca...
Everything that was said,happen exactly like that.
Verified customerI dealt with a guy called John. I sold my bakie that was a write off. He got me the best quote possible went extremely fast without a lot of Hassel. ...
I would like to thank Mr. Anees Mayet for his professional manner in which we successfully conducted business. It is a quick and hassle free way to se...
Confirmation Message *Business Name:* Sell Your Damaged Car *Review:* The consultant was as responsive as could be and very helpful, even helping v...
Super easy, Johan explained everything that he needed from me. Collection was on time and very efficient. Payment once confirmed was on time . Thank y...
Very easy and fast,no hassle
Verified customerJohan was very professional and the service was amazing.
Verified customerTshidi Mashangaone she explained everything that I wanted to know about your sell your damaged car and we managed to make a deal that didn't even too...
Johan made the process seamless and easy and conducted the transaction professionally- Thank you! It might be worth considering real-time payments to ...
I dealt with a Gentleman called Cleavon and I am amazed at his service, as a service man myself I could believe his patience when I had to wait for my...
Worked with a buyer called Joshua who was extremely professional and helpful. The process of selling my damaged vehicle was quick and painless. Very h...
Excellent and professional service, within a day after processing documentations the vehicle was collected. The next day, the money was in my bank acc...
Their service was excellent. Abdul did a great job. We are very happy with everything
Verified customerIt was quick and painless, Anees was very professional, great service.
Verified customerAwesome service, reliable, friendly and quick payment
Verified customerFriendly and quick
Verified customerCleavon was a very friendly and expedient consultant. The sale process was very swift and the car was collected the same day. Cleavon was happy to of...
Johan was really professional dealing with me.Always responded either by phone or WhatsApp. To my questions.Thank you Johan for upholding the culture ...
I loaded all the information. Got a quick and professional response. The whole deal was handled in three days.
Verified customerVery helpful and patient people to deal with. They even sent a towing truck to collect our non runner vehicle that they purchased. Was the only compan...
I got prompt and professional service. From initial consultation to final collection and payment.
Verified customerGood day, it was a hassle free transaction with friendly staff who assisted with no effort.
Verified customerAfter completion of information online, the sales consultant was very helpful to kick start the process which lasted only a day and the second one was...
I dealt with Josh and he was very helpful, definitely going the extra mile. He also did a great job keeping me informed every step of the process.
Verified customerI have sent a request to Sell Your Damaged Car and they reply in no time. I was contact by Tshidi.. She was very professional in helping me. I have s...
Tshidi was very helpful and I enjoyed the experience
Verified customerIts easy trustworthy process
Verified customerI was assisted by Cleavan Schubart at Auction Nation to sell my vehicle. Man, what an excellent service and customer experience I got!! Just to name a...
Very quick and very professional.
Verified customerI was assisted by ubdull cool and always willing to assist and helpful.
Verified customerThe sale of my damaged car took about 3 days, and the money was in my account in less than 24hours after the car was taken. I'm happy with the servi...
They so fast and absolutely give you the great feedback of the vehicle ??
Verified customerThe process was smooth and quick. Joshua gave me great service and kept me in the loop throughout. To top it off, funds reflected even sooner than exp...
Ek het my 2011 Kia Cerato met ongeluk skade aan Hulle verkoop. Die span het my die hele tyd op datum gehou van wat gebeur wanneer! Beste diens ooit!
Verified customerI was assisted by the lady Tshidi Mashangaone to sell my Damaged Nissan NP200, the service was excellent, the Agent was friendly,helpful, and fast.. ...
All I can say is Tshidi gave us the best customer experience throughout the entire experience!!!! Both hubby and I got assisted by her with our car.
Verified customerExcellent service from Johan Bouwer. From start to finish kept me up to date regarding the transaction
Verified customerWas very pleased with the service
Verified customerI love the quick service. The payment took a while but I was always assured by Joshua. I can easily recommend your services. Thanks
Verified customerWe recently used their services to get rid of a vehicle with engine faults, the team guided us through the process. I being suspicious of all transact...
Very kind lady who assisted me. Quick, easy to understand and very friendly. Will recommend her to anyone who wants yo sell their damaged cars.
Verified customerThe service I received from sell your damaged car was excellent.I recently sold my vehicle to sell your damaged car thanks to Cleavan for his excelle...
The lady I dealt with, Tshidi, was very patient with me as I had no idea how this process worked. She also answered my messages within a few minutes. ...
Sold a non-runner to SYDC. Was concerned about the 24-48hrs payment delay after they tow the car away but Joshua Murray explained the process and I wa...
I just to thank Auction Nation for the great service they have rendered to me.I have been keeping my damaged car for about a year after tragedy accide...
Very efficient, professional and friendly service
Verified customerI had to get rid of my s**** car .joshua was more than helpfull to help .he made the process easy and smooth no problems or issues . Big shout to josh...
Everything was settled hassle-free and with assistance where needed. Thank you Joshua for excellent service, I will definitely recommend you to my fam...
The entire process from first contact to payment took 5 days. Very efficient.
Verified customerBaie goeie diens ontvang van Alicia, van begin tot einde. Geld oorbetaal soos belowe. Dankie.
Verified customerI was assisted by Tshidi, nice lady and very efficient. We did a great deal
Verified customerI really appreciated how Tshidi Mashangoane used check-ins to keep me up to date on the project of selling. It helped me consider our offer, and I’m e...
I sold my gamaged merc 230d monatic. The process was super and the payment i received in less than 3 days. They are straight forwad and keep their p...
I sold 2 damaged cars to Sell Your Damaged Car in January and March 2023 and received excellent service from Tshidi Mashangoane. She explained the pr...
I was assisted by Johan who was excellent and assisted me very well in service me when I was selling my car
Verified customerMy first dealing with these guys and I was impressed with their service and attitude. They bought my s**** car and paid me as promised and came to col...
I got exceptional service from Tshidi Mashangoane. The damaged car was fetched the same I accepted the offer. Thank you Tshidi
Verified customerThank you, Auction Nation, for handling my sale transaction quickly and professionally. Shout out to Faith Mauchaza for walking me through the whole p...
It has been a pleasure dealing with Tshidi Mashangoane . Very professional , friendly and helpful. Tshidi guided me through the whole process from sta...
I had an old damaged car that I wanted to get rid of. I interacted with Abdala who was quite professional and extremely patient. The quote seemed pret...
I received excellent customer service from Alicia the Sales Consultant. She guided me through the process, provided me with all the requirements and ...
After filling in their online form, I got a response on whatsapp within minutes with a consultant who stuck with me from start to end. Abdul was very ...
The whole experience of selling my car was so easy and efficient. I highly recommend.
Verified customerDealt with Tshidi who was very efficient,prompt to respond to my questions and always courteous.All time frames set were achieved and in some cases so...
Did what they said they would do. Josh was very good. Happy all round.
Verified customerI was not sure if this would work, but Alicia walked me through every step of the way. Alicia made the whole process of agreeing a price, doing the pa...
I dealt with Alicia from Sell your damaged car. What a superstar. From the start to the finish, she was on top of her game. Her requests were clear an...
I've driven my 2005 Porsche Boxster for eight happy years. But about three years ago the second gear wouldn't engage so I changed from 1st to 3rd with...
<div>I had the privilege of dealing with Alicia Coetzer at Auction Nation. What an experience; I am 72 years old and have had he car for 11 years. The...
I contacted them via their website and within shortly thereafter the instructions were sent via Whatsapp. Both vehicles were sorted out quickly and ef...
Shout out to Alicia from Auction Nation for a great service!!!!!!!!!!!!!!
Verified customerExcellent assistance by Alicia.
Verified customer
